With retirement on the horizon, you may be facing crucial financial decisions. How many years do you need to continue to work to ensure your family’s financial security? Does retirement have to be “all or none”? Does your investment strategy still make sense, or perhaps can you take some risk off the table?

We can help you work through these questions as we:

• Implement an overall investment strategy taking into account all assets, including 401(k)s, and other assets.
• Review options regarding pensions, and other work related benefits.
• Consolidate various portfolio accounts, creating less complexity and a more precise approach to asset allocation.
• Prepare a Financial Goal Plan, a customized financial plan to meet goals both for the near term and for retirement. We can evaluate alternate retirement scenarios, as well as various spending strategies during retirement.
• Review insurance coverage. We will analyze existing coverage for life, health, and property and make recommendations as appropriate. In particular, we can review options for health care before Medicare begins.
• Establish and / or coordinate relationships with an estate planning attorney and accountant. We will review current estate planning documents and suggest areas that may need to be updated. We will discuss your situation with your CPA, to make sure our investment strategies are as tax-efficient as possible.
• Initiate regular meetings to update financial plans and portfolios as needed.

At this important stage, we focus on plans that provide for income and cash flow, and ensuring that spending is sustainable throughout your lifetime. It may be appropriate to take less investment risk as well.

We can provide peace of mind by:

• Implementing an overall investment strategy taking into account all assets.
• Consolidating various portfolio accounts, creating less complexity and a more precise approach to asset allocation.
• Updating your Financial Goal Plan – a long-term projection that offers a plan to meet your goals. We can model the effects of spending differing amounts during retirement, and analyze the impact of planning to leave a legacy for children or charitable interests.
• Creating a stream of regular monthly distributions from portfolios, allowing you to plan and budget accordingly.
• Reviewing your current estate planning documents, suggesting areas that needed to be updated, and provide an introduction to an attorney that could implement a revised plan.
• Reviewing Social Security claiming strategies, putting into place a plan that looks to maximize lifetime income.
• Establishing college savings 529 accounts for grandchildren, and recommended a funding strategy for each grandchild.
• Advising on charitable donation strategies, including donation of a portion of IRAs, or setting up Donor Advised Funds.
• Providing a “Just in Case” document – a guide designed to provide crucial information… just in case something happens to you and someone needs to step in and take care of your affairs.

Think of us as your Personal CFO. Our experience and expertise have helped to empower women with planning and investing strategies that work for the many different stages in your life.

Women undergoing divorces in particular may feel a need for help in navigating the difficult decisions they are facing, often during a stressful time. We understand many of the special circumstances related to divorce, and have a special team dedicated to help.

Working with women in charge of their finances, we will:

• Implement an overall investment strategy taking into account all assets. For divorcing women, that includes facilitating the transfer of funds and reconciling assets to the Marital Settlement Agreement.
• Consolidate various portfolio accounts, creating less complexity and a more precise approach to asset allocation.
• Prepare a Financial Goal Plan, a customized financial plan to meet goals both for the near term and for retirement. In the case of divorcing women, we can review the implications of differing proposed settlement agreements on long-term planning.
• Create a cash and liquidity management plan. For many clients, we set a monthly withdrawal amount, in line with their financial plan, which allows for spending within a pre-determined budget.
• Review insurance coverage. We will analyze existing coverage for life, health, disability and property and make recommendations as appropriate.
• Analyze the buy a home versus rent decison. Women newly in charge of their finances may need to revisit what makes sense in terms of living arrangements, both in the short- and long-term.
• Establish and / or coordinate relationships with an estate planning attorney and accountant. We will review current estate planning documents and suggest areas that may need to be updated. We will discuss your situation with your CPA, to make sure our investment strategies are as tax-efficient as possible.
• Implement a college funding strategy for children. If appropriate, we will set up 529 college savings accounts.
• Review various claiming strategies for Social Security, and suggest the approach that should maximize benefits received over their lifetime.
• Initiate regular meetings to update financial plans and portfolios as needed.

You are “all in” when it comes to your career. But when you are away from the office you’d like to spend as much time as possible with your family, not on your finances . We can provide you with peace of mind knowing that you are organized and up to date on the important items necessary for financial security.

We will work with you on:

• Implementing an overall investment strategy taking into account all assets.
• 401(k) plan analysis. We review 401(k) plans and make sure clients defer enough to take advantage of their employers’ match. We also suggest changes to their asset mix to ensure consistency with their overall financial plan.
• Consolidating various portfolio accounts, creating less complexity and a more precise approach to asset allocation.
• Preparing a Financial Goal Plan, a customized financial plan to meet goals both for the near term and for retirement. We can evaluate the impact of specific goals, such as buying and maintaining a second home.
• Reviewing mortgages and other debt. We’ll evaluate whether it makes sense to refinance, or obtain a home equity line of credit to provide an emergency source of cash.
• Analyzing corporate benefits, including stock options, allowing you to make decisions regarding timing of income.
• Establishing college savings 529 accounts for children, and recommended a funding strategy for each child.
• Reviewing insurance coverage. We will analyze existing coverage for life, health, and property and make recommendations as appropriate.
• Establish and / or coordinate relationships with an estate planning attorney and accountant. We will review current estate planning documents and suggest areas that may need to be updated. We will discuss your situation with your CPA, to make sure our investment strategies are as tax-efficient as possible.
• Advising on charitable donation strategies, including setting up a Donor Advised Fund.
• Initiate regular meetings to update financial plans and portfolios as needed.

Your earning power is at a peak, but expenses are as well. Time is precious, and it’s tough enough to balance your career and family. We can provide you with peace of mind knowing that you are organized and up to date on the important items necessary for financial security.

We work with attorneys to:

• Implement an overall investment strategy taking into account all assets.
• Prepare a Financial Goal Plan, a customized financial plan to meet goals both for the near term and for retirement. We can evaluate them impact of specific goals, such as buying and maintaining a second home.
• Review firm retirement benefits, which include a 401(k) Plans, Profit Sharing Plans and Cash Balance Plans. Understanding these complex plans allow you to maximize your benefits.
• Consolidate various portfolio accounts, creating less complexity and a more precise approach to asset allocation.
• Establish and / or coordinate relationships with an estate planning attorney and accountant. We will review current estate planning documents and suggest areas that may need to be updated. We will discuss your situation with your CPA, to make sure our investment strategies are as tax-efficient as possible.
• Establish college savings 529 accounts for children, and recommended a funding strategy for each child.
• Set up a Donor Advised Fund, a tax-efficient vehicle for charitable contributions.
• Review insurance coverage. We will analyze existing coverage for life, health, and property and make recommendations as appropriate.
• Initiate regular meetings to update financial plans and portfolios as needed.

In addition to our significant experience serving as investment advisors to non-profit clients, we understand your role. Our principals and advisors value giving back to the community, and serve as officers and fiduciaries of non-profit organizations.

Our services to non-profits include:

• Investment management. Our market-tracking investment approach works particularly well for Investment Committees that want to lessen the risk of underperformance vs a benchmark.
• Creation or revision of Investment Policy Statements including distribution policies.
• On-going cash and liquidity management.
• Financial modeling and long-term projections (“monte carlo” simulation analysis).
• Receipt and sale of donated securities at no cost.
• Trustee and donor education, including hosting special events.